AIFT provides a Risk-as-a-Service platform that translates live merchant data into fully auditable credit decisions.

We help banks safely tap into the booming cross-border e-commerce market. By analyzing a merchant’s real-time operational data, we provide a quantitative foundation for your credit decisions while ensuring you retain total control over your risk appetite and lending policies.

The Challenge: Traditional Scorecards Don’t Fit E-Commerce

Applying conventional banking scorecards to e-commerce merchants creates massive blind spots and regulatory risks:

• Incompatible Data: E-commerce merchants lack traditional balance sheets and physical inventory. Their true health lies in daily platform metrics—sales trends, return rates, and cancellations—which conventional scorecards simply cannot process.
• Arbitrary Credit Limits: Without the right tools, lenders often resort to guesswork, multiplying recent revenue by arbitrary numbers to set credit limits. These ceilings lack an economic foundation, making them hard to justify to credit committees and nearly impossible to defend to regulators.

The Solution: A Data-Driven, Policy-First Approach

AIFT bridges this gap by replacing guesswork with a highly structured, transparent repayment model. We take a merchant’s live operational data and turn it into a clear, reliable credit ceiling based directly on your bank’s rules.

• We analyze the reality: The platform ingests real-time business health indicators, including sales growth, cashflow stability, and platform conduct.
• You set the rules: You define your exact risk tolerance and target default rates before any data is processed.
• The result: An objective, economically sound credit limit. If you want a more conservative portfolio, simply adjust your policy, and every limit recalibrates instantly. No black boxes, and no arbitrary scaling factors.

Why Banks Choose AIFT

• Fully Transparent Every factor that influences a credit limit—whether it’s seasonal sales dips or high return rates—is explicitly identified. Your model risk team can trace any change directly back to its source, supported by a fully decomposed audit workbook generated for every merchant, every month.
• Completely Governable Your bank’s risk appetite lives in clear, documentable policy rules, not hidden in opaque algorithms. Our built-in simulator allows your credit analysts to test what-if scenarios to see exactly how changes in merchant behavior or bank policy will impact credit ceilings.
• Regulatory Ready Built for compliance, AIFT’s underwriting logic is actively deployed within a HKMA GenA.I. sandbox and protected by patents in the US and China. Our platform integrates real-time supply chain monitoring with AI-powered KYC to ensure your lending is safe and secure.